Terms of Service

Aurra is a WhatsApp-based AI payment assistant that enables users to send money to Nigerian bank accounts, purchase airtime, and buy mobile data — all through natural conversation on WhatsApp.

Aurra is not a bank, a financial institution, or a licensed deposit-taking entity. We facilitate payments through Paystack, a payment service provider licensed by the Central Bank of Nigeria (CBN). We do not hold your money.

To use Aurra, you must:

• Be at least 18 years of age
• Be a resident of Nigeria or hold a valid Nigerian bank account
• Own or have authorisation to use the WhatsApp number you register with
• Own or have authorisation to use the debit card you link to your account
• Provide accurate, truthful registration information

Creating an account: You must provide your real name, a valid Nigerian WhatsApp number, and create a 4-digit PIN.

Your PIN is your responsibility: Your PIN authorises every transaction. Do not share it with anyone — including Aurra support staff. We will never ask for your PIN via any channel.

Account security: You are responsible for all activity on your account. If you believe your account has been compromised, contact us immediately at admin@aurra.online.

Lockout policy: Three consecutive incorrect PIN entries will lock your account for 30 minutes. This is a security feature we cannot override on demand.

One account per person: You may only hold one Aurra account. Creating multiple accounts is grounds for immediate termination.

To transact on Aurra, you must link a valid Nigerian debit card. By linking your card you authorise Aurra and Paystack to charge that card for transactions you initiate and confirm with your PIN.

A one-time tokenization fee of ₦50 is charged when linking your card. This amount is refunded to your linked card immediately after successful tokenization.

Your card details are stored securely by Paystack on their PCI-DSS certified infrastructure. Aurra only holds a secure token reference — not your actual card number.

Authorisation: Every transaction requires your 4-digit PIN. By entering your PIN, you irrevocably authorise the transaction.

Double confirmation: Before asking for your PIN, Aurra will always show you the full transaction details (recipient, amount, fee, total). You must reply YES before being asked for your PIN.

Transaction limits: A daily transaction limit of ₦500,000 applies. We reserve the right to adjust limits for security reasons.

Fees:

• Airtime and data purchases: Free (₦0)
• Bank transfers below ₦5,000: ₦30
• Bank transfers ₦5,000 – ₦9,999: ₦50
• Bank transfers ₦10,000 and above: ₦100

Finality: Completed bank transfers cannot be reversed once the recipient's bank confirms receipt. Always double-check recipient details before confirming.

Failed transactions: If your card is charged but the transaction fails (e.g. bank transfer rejected), you will receive an automatic refund within 15 minutes. Refunds for airtime/data failures are processed within 24 hours.

Session timeout: Transaction sessions expire after 10 minutes of inactivity. You will need to start a new request if your session expires.

You must not use Aurra to:

• Send money to or receive money from illegal activities
• Engage in money laundering, fraud, or financing of terrorism
• Circumvent Nigerian financial regulations or CBN directives
• Use another person's card or account without their consent
• Attempt to manipulate, hack, or reverse-engineer the Aurra system
• Conduct transactions on behalf of third parties as a business without prior written approval

Violation of any of the above may result in immediate account suspension, reporting to relevant authorities, and legal action.

We are not liable for:

• Transactions you authorised with your PIN, even if made in error
• Losses arising from your failure to keep your PIN confidential
• Delays or failures caused by recipient banks or Paystack
• Service interruptions caused by WhatsApp, Meta, or telecommunications networks
• Losses arising from events outside our reasonable control (force majeure)

Our maximum liability for any claim arising from your use of Aurra is limited to the total fees you paid to Aurra in the 30 days preceding the claim.

We may suspend or terminate your account immediately if:

• We detect suspicious, fraudulent, or illegal activity
• You violate any of these terms
• We are required to do so by law or regulatory directive
• Your linked card is reported stolen or fraudulent

You may close your account at any time by contacting admin@aurra.online. Pending transactions will be completed or refunded before closure.

If you have a dispute about a transaction:

• Contact us first at admin@aurra.online with your transaction reference
• We will investigate and respond within 5 business days
• If unresolved, disputes are subject to Nigerian law and the jurisdiction of Nigerian courts

We may update these Terms from time to time. Material changes will be communicated via WhatsApp with at least 7 days' notice. Continued use of Aurra after the effective date constitutes acceptance of the new terms.

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be resolved in the competent courts of Nigeria.

• 📧 General: contact@aurra.online
• 🔒 Disputes & Security: admin@aurra.online